中国工商银行客户行业信息化服务策略研究

发布时间：2018-01-03 19:31

本文关键词：中国工商银行客户行业信息化服务策略研究　出处：《浙江工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：当前,中国商业银行间产品和服务同质化情况日益严重,如何实现差异化并找到新的发展支点成为各方关注和讨论的焦点,银行业务转型成为满足客户需求变化的必然选择。服务于客户的产品,应从提供一刀切服务的水平覆盖模式向按需定制的行业垂直模式转变,从金融本身向其他纬度延伸拓展。与此同时,全球信息化发展大规模提速,行业客户的信息化需求不断延伸,为银行服务转型升级带来了一个非常好的业务切入点,即通过为客户提供行业信息化服务,将银行的资金流与企业的信息流有机融合,借信息服务有效渗透和关联特色金融产品和服务,实现互补和共赢。本文正是基于以上背景,从行业信息化的概念和范围入手,分析目前行业信息化的发展轨迹和现状；基于SWOT模型研究中国工商银行客户行业信息化服务的可行性,并通过典型案例分析目前中国工商银行行业信息化服务推进的现状、效果及问题,总结归纳中国工商银行客户行业信息化的业务模式和服务范围,进而提出中国工商银行如何结合自身业务转型,有效开展客户行业信息化服务的总体框架和策略建议。
[Abstract]:At present, the homogeneity of products and services among commercial banks in China is becoming more and more serious. How to achieve differentiation and find new development fulcrum has become the focus of attention and discussion. The transformation of banking business has become an inevitable choice to meet the changing needs of customers. The products serving customers should change from the horizontal coverage mode of providing one-size-fits-all services to the vertical mode of customizing the industry on demand. Extending from finance itself to other latitudes. At the same time, the rapid development of global information technology, industry customers continue to extend the demand for information. It brings a very good business breakthrough point for banking service transformation and upgrading, that is, through providing industry information service for customers, the bank capital flow and enterprise information flow are integrated organically. Using information services to effectively infiltrate and correlate characteristic financial products and services to achieve complementarity and win-win. This paper is based on the above background, starting with the concept and scope of industry informatization. Analysis of the current industry information development track and current situation; Based on the SWOT model, this paper studies the feasibility of ICBC customer information service, and analyzes the current situation, effect and problems of ICBC industry informatization service promotion through typical cases. This paper summarizes and summarizes the business model and service scope of ICBC customer industry informatization, and then puts forward how ICBC combines its own business transformation. Effective implementation of customer industry information service framework and strategic recommendations.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F832.33

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